Recently I was asked, “How can I save when I can’t pay my bills.” This was a profound question because I know the struggle of having very little funding and trying to scrimp and save to get by. We often forget, there are millions of people in our country struggling to stay afloat with their day-to-day bills. Yes, these are hard-working people who just can’t seem to get their ledgers in the black.
Some have enough money but spend themselves into a whirlwind of debt. Yet, others do not make enough money and can’t make ends meet. In either situation, life can become stressful, worrisome, and it is difficult to live your best life because bills are always looming in the back of your mind like an unstable tree trunk ready to crash.
My mission at “I Heart Frugal” is to help people live and amazing debt-free life through budgeting and living within their means. This goal may seem impossible for some when faced with mounting bills. As the bills pile high, catching up seems near to impossible. However, I am here to tell you, there is help and you can do something about your financial situation.
There are so many others out there that are sharing your same money problems, but the good news is, there IS something you can do about it. So let’s get real about your finances, admit there is a problem, and focus on the solution: A good budget and money-saving action plan. After you have created your action plan, take some steps to avoid this situation in the future.
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Please enjoy my new series: Money quotes! These inspirational quotes will help kick-start your financial goals into overdrive and motivate you to save! My first quote in this series is by financial guru Suze Orman, whom I have followed for years.
For those of you that don’t know Suze Orman, she is a financial guru, New York Times best seller, motivational speaker, magazine colunmist and Emmy award winning television host. She is known for her “Can I afford it” series, where she allows her viewers to call in and learn if they should spend their money on a wanted item or trip. Nonetheless, she teaches people to get their affairs in order including budgeting, investing, retirement, life-insurance, and living wills.
My husband and I used to watch her show together on Saturday nights before we had kids (I know, what a fun date!). Her advice was astounding and really helped us to have some great money conversations and set financial goals as a couple.
This avocado, turkey sensational sandwich is one of my favorites! Do you like meals that are easy to make, healthy and filling? How about meals that are budget friendly? Me too! This sandwich meets the criteria and your family will love it!
One of the best reasons to eat this sensational sandwich is it includes a super food: avocado. Avocados have been found to have so many health benefits, it is hard not to eat them! Their unique texture and flavor leave you wanting more and this sandwich will not disappoint.
Reasons to Eat Avocados
Healthy monounsaturated fats
Rich in other nutrients like Vitamin k, C, B6, and E
Helps cut bad cholesterol
Reduce risk of heart attack or stroke
Lower your weight by reducing hunger
Great source of energy
Kids love the cool green color
There are many other reasons avocados are beneficial to your health. There is also research linking avocados to fighting certain types of cancers. Why not eat one of these babies every day? Therefore, it is essential to find ways that will keep your family interested in this amazing super food!
Yes, it is true Pinterest is more like a search engine than an actual social media platform such as Facebook or Instagram. Yet, one of the reasons I love Pinterest is it has increased traffic to my blog and I haven’t paid a dime. It is free traffic so get excited! One of my favorite quotes from teaching states, “If you fail to plan, you plan to fail” – Benjamin Franklin. This holds true with your Pinterest followers and pinning strategy.
I’m going to start this post by telling you, I am not a Pinterest expert by any means. You can pay $100-200 for a course and learn a lot more than what I am going to tell you! However, my information is free and I will explain how I gained over 5,000 Pinterest followers and reach anywhere from 50-200 page views a day from Pinterest. These are strategies I have tested, but I continue to learn about this awesome tool that is a must for all bloggers.
Pinterest is down right frustrating. It is overwhelming and time-consuming, especially when you are new. Yet, if you put in the time, just like anything else, your hard work will pay off. I’m not going to feed your fluff and tell you I gained 5000 followers in a week. This was a solid strategy that took around eight months total. Nonetheless, if you stay with me I will teach you how I did it and how to follow the 80/20 rule, when to pin manually, and how to find your audience. Also, my post will give you some ideas of what you should be pinning!
Are you a spender or a saver? Many people spend money in different ways. Some are cheap and only spend a little, yet others (over half of Americans) spend freely with little concern about debt.
I would like to think I’m somewhere in the middle. I don’t carry credit card debt and have over six months of an emergency fund, but I do believe in the old Greek saying that translates to everything in moderation, even saving.
Obviously, you can’t save everything you make, or you wouldn’t be able to pay your bills. Yet, you will find once you start training yourself to save, you will learn to like it and keep your money by creating separate funds for everything. It will feel great when Christmas rolls around and you have money for gifts this year!
I’ve blogged for nine months and it is time to check in on my goals and blogging progress! So far it has been a great journey. I have learned so much along the way! When I started, I had no idea what SEO meant, let alone what a widget is! (For those non-bloggers it means search engine optimization and a widget is a tool to add different aspects to your blog without having to know coding). Whew! I’m glad to be done with those beginning stages. Now I am ready to focus on blog improvement and thank you for joining me on this ride!
When I started, I had no idea what SEO meant, let alone what a widget is! (For those non-bloggers it means search engine optimization and a widget is a tool to add different aspects to your blog without having to know coding). Whew! I’m glad to be done with those beginning stages. Now I am ready to focus on blog improvement and thank you for joining me on this ride!
Not that I consider myself an expert, but I am gaining knowledge and my goals for this year are looking good. As I reflect on the past nine months, I will take a look at my goals which include social media, page views, and posts.